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I am heartbroken to hear of the passing of Dr. Rebecca Shadowen, a front line hero who worked tirelessly to protect the lives of others. Our thoughts and prayers are with her family, friends and colleagues.https://t.co/sAPptGy0lJ— Governor Andy Beshear (@GovAndyBeshear) September 12, 2020 297
If Halloween is your excuse for endlessly indulging in candy (and of course it is), go slow on the black licorice.Just as it does each Halloween, the Food and Drug Administration has posted a reminder on its website urging folks to keep their black licorice consumption to a minimum.The reasoning? Too much of the old-fashioned favorite can cause health problems such as irregular heart rhythm, especially in people over 40.Black licorice contains a sweetening compound called glycyrrhizin, which can cause a drop in potassium levels. With low levels, some people might experience high blood pressure, swelling and even congestive heart failure, the FDA says.The good news is that potassium levels return to normal after you stop eating copious amounts of black licorice.So, here are some tips from the FDA:-- Don't eat too much of the stuff at one go.-- If you have been eating a lot of it, especially if you have irregular heart rhythm or muscle weakness, stop (and call your doctor). 994
I know, I know. You’ve probably heard all about how you should renegotiate your bills to save money. But that’s easier said than done, right?That’s why I tried it out. I called up some of my service providers and attempted to cut the cost of my bills.Here’s how you can learn from my successes — and improve upon my failures. (Spoiler alert: Be prepared to make sacrifices.)Formulate a game planIt’s a good idea to call up your service providers and subscription services annually to negotiate a better rate, ask about new promotions or cancel unnecessary bills. This is a powerful tool to save money.These tactics can be used for securing a better deal on cable, internet, subscription services and more.First, review all of your recurring payments by identifying charges on your credit card and bank account. Then, decide if you really want (or need) those anymore.Make a list of the bills you would like to lower or cut out entirely. On my list: Satellite radio, cable, a clothing subscription and a movie loyalty program.Next, look up each company’s website. You’ll usually find a variety of contact methods, including live chat, text messaging, email and a phone number.While you’re searching online, gather information about your current package and pricing, as well as any new promotions from your current company or competitors that can be used as leverage.Cut out what you don’t needSet aside a block of time — maybe an hour or so — and work your way through the list.My first call was to our satellite radio service provider. My husband and I have a SiriusXM subscription. But after months of spotty reception in our car, I decided it was time to cut the service completely.Instead, over the course of a 10-minute phone call, I asked to cancel, then I was met with a better offer. Before, we paid .63 per month. Now, we pay .06 a month for 12 months (for the same plan). Plus, they threw in a free month.Threatening to cancel a service can be a bargaining tactic. Here, it was the truth — I was fully ready and willing to cancel. And it got me a better price.Next? That clothing subscription. A five-minute online chat with athletic brand Fabletics resulted in me canceling my membership. Before, I paid .95 a month as an account credit, unless I logged into my account and shopped or skipped by the fifth day of the month.The customer service representative offered a store credit to stay, but I went ahead and canceled anyway.DowngradeBe patient. There’s a time commitment involved. Plus, things don’t always work out.I spent 45 minutes online chatting, then talking on the phone with DirecTV. But even after consulting with two representatives, my monthly payment remained around 0 before and after my interaction.I was told there weren’t any discounts or promotions currently available for my account. And since I didn’t want to downgrade my package (I’m not ready to give up those Lifetime movies on LMN or game shows on Game Show Network), I’ll have to wait for future offers.If you’re willing to change your TV lineup, review available channel packages online to find a slimmed-down option that works for you. Or call and talk to a representative.Ask for helpRenegotiating bills is perhaps more important now, especially for those who are dealing with financial impacts related to the coronavirus. As the pandemic began taking an economic toll in the spring, providers across a broad spectrum of industries stepped up to extend payment assistance and waive late fees for customers.I contacted some service providers to see how they’re continuing to help consumers who are struggling.Most telecommunications companies, such as Dish and Comcast, provided similar advice: If existing customers have questions or are interested in lower monthly payments, they should go online or call customer service.Contact companies proactively, and if you’ve been laid off or otherwise affected by the pandemic, be honest about your situation.Look for resources that don’t require any effort, too. I thought I might need to cancel or renegotiate my -a-year AMC Stubs Premiere movie theater loyalty account. But the company had already temporarily paused my account in light of movie theater closures.Renegotiating bills didn’t save me enough money to retire early. But I’ll manage to hold onto almost 0 over the next 12 months — which is more than if I hadn’t picked up the phone.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 4799
If you’re going to a firework show for Fourth of July, there will be more than one reason to look up to the sky.A penumbral lunar eclipse will occur during the evening hours on Saturday, which will be visible throughout the continental United States.A penumbral eclipse means that some, but not all, of the moon will be partially in Earth’s shadow. Despite the lunar eclipse occurring during a full moon, the moon will appear to be slightly darker during the peak of the eclipse. At its peak, more than one-third of the moon will be in parts of Earth’s shadow.Saturday's eclipse differs from total and partial lunar eclipses as the Earth will not completely block the sun’s light from reaching the moon.The next total lunar eclipse visible from America will not occur until 2022. 787
In a survey of 1,000 small business owners conducted by the US Chamber of Commerce, 57% ranked the economy as the first or second most important issue influencing their vote in the 2020 Election. With 30.2 million small businesses in the US, according to 2018 US figures, these voters make up a significant chunk of the electorate. “Small businesses provide so much to our economy,” Pete Mikulin, CEO of 3R Technology Solutions said. The company focuses on electronics recycling and data destruction.“We’re fortunate in that we’re OK. We’re just OK,” he said. The pandemic hit businesses hard like Mikulin's hard. “It wouldn’t take much right now to ruin, completely destroy the small business landscape.”Many are not sure what the future holds.“Your plans go out the window,” Mikulin said. “So you deal with it everyday, day by day, and it’s survival.”“It feels like we’re alone. It feels like there's no one in our corner as a small business owner,” he added.“There’s concern of the small businesses that not enough attention is being paid to them in Washington, that Washington is looking at some of the bigger items in the election and they’re forgetting about the fact that small businesses is the major driver of our economy,” Mac Clouse, business expert for over 40 years and professor at University of Denver, said.“The stock market is a general indicator of what's going on with stock prices, and stock prices are usually reflective of your larger firms, firms that are publicly traded,” he said. “That really doesn't measure what's happening with the mom and pop businesses, the small businesses. The only way we know how they’re doing is to ask them.”Of those surveyed, 78% said the economy was “average," “somewhat average," or “very poor” in August.“When you have people saying the stock market is doing great but 78% of business owners are saying the opposite, clearly there's a breakdown, not in what's being discussed, but what is meaningfully being discussed and taken action on,” Carlin Walsh, Owner and CEO of Elevation Beer Company, said. His business was impacted by shutdowns and restrictions.“Total, our revenue was cut 60% for what we normally would be,” he said. “I am not comfortable with what the next three to four months brings, so because of that, we've been putting more money than usual into savings.”Without the same safety net some of the larger companies have, small businesses are taking things day by day.“For them, what’s important is what’s going to happen in the next three to six months,” Clouse said.Many are waiting to see if they’ll see any help from the government. Surveys from the U.S. Chamber of Commerce show a majority of small business owners are more interested in the 2020 election compared to 2016.“We need our elected leaders to come together and provide targeted relief to the industries of small businesses that have been most deeply impacted, and that doesn't necessarily mean financial help although that's required as well,” Mikulin said. “All we’d like to do is keep our doors open and people employed. That’s it. That’s all.” 3095